What is the difference between the first, second and third types of bank accounts, and the differenc

Ping An Bank. The main differences between Type I Accounts, Type II Accounts, and Type III Accounts:

1. Type I account has full functions, which can handle deposits, transfers, consumption, bill payments, cash withdrawals, purchase investment and wealth management products, etc.;

2. Type II accounts can be used for deposits, transfers, consumption, bill payments, cash withdrawals, and purchase investment and wealth management products, with the following limits:

Electronic Category II Accounts: There is no limit on the transfer of bound cards, and you can transfer out as much as you want with the bound cards; Non-binding card transfer-in and transfer-out are not supported;

Type II accounts: There is no limit on the transfer of bound cards, and you can transfer out as much as you want with the bound cards; There is no limit on the daily transfer of 10,000 yuan for non-bound cards and 200,000 yuan per year, and 10,000 yuan for unbound cards and 200,000 yuan per year.

3. Type III accounts (pocket wallets) can handle consumption, payment and payment, and the cumulative transaction limit on the transfer-in and transfer out date: 2,000 yuan each, and the annual cumulative limit: 50,000 yuan each.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

What is the difference between the first, second and third types of bank cards?

Bank-type accounts

The class is everyone's safe, the private "big cash box". Everyone's large amount of capital transactions must be through this account, such as for large deposits, large consumption, daily cash deposits and withdrawals for the purchase of wealth management products, receipt of salaries, and so on.

Bank-type accounts

Accounts can handle deposits, purchase of financial products such as investment and wealth management products, limit consumption and payment, and transfer funds to unbound accounts with limits.

Bank-type accounts

Category accounts can handle quota consumption and payment, and transfer funds from the quota to unbound accounts. If the identity is confirmed face-to-face by the bank staff at the bank counter or self-service equipment, the account can also handle the transfer of funds from the unbound account.

What is the difference between the first, second and third types of bank accounts?

Account Features

A type of bank account is mainly used for daily transactions of large sums of money. Its main uses are: daily savings, large transfers, purchase of wealth management products, large consumption, etc.

The second type of bank account is mainly used for ordinary consumption. Its main channels are credit card consumption, online shopping, online payment, etc. The three types of bank accounts are mainly used for small expenses, and its main channel is password-free transactions.

Account balance

There is no big difference between the first type of bank account and the second type of bank account in terms of balance, and there is no limit on the amount of money. The balance of the three types of bank accounts is limited to 2,000 yuan.

Restrictions on Use

There is no limit on the amount of money that can be used for a type of bank account. The daily cumulative limit of the second-class bank account is 10,000 yuan, and the annual cumulative limit is 200,000 yuan. The daily cumulative limit for the three types of bank accounts is 2,000 yuan, and the annual cumulative limit is 50,000 yuan.

Account Format

A type of bank account is in the form of a card or passbook. The second and third types of bank accounts are mainly electronic accounts.

1. Different functions: one type of account is fully functional, and users can carry out various activities such as deposit and withdrawal, transfer and consumption; The second type of account can only deposit and purchase some financial products, and there will be restrictions on consumption; Three types of accounts, which can only be consumed within the limit;

2. Different forms of accounts: one type of account is mostly debit cards, savings cards, passbooks, etc.; Category II and Category III accounts are some electronic accounts;

3. Different channels for applying for cards: users need to go to the counter to handle one type of account; Type 2 and Type 3 accounts can be opened on electronic channels;

4. Different limits: there is no limit for one type of account; Category II and Type III accounts have stricter limits.

Starting from December 1, 2016, according to the People's Bank of China regulations, a person can only open one Type I account in the same bank. If you already have a Type I account, you should apply for a Type II or Type III account when opening a new account.

Generally speaking, the main reasons for setting up three types of accounts are as follows:

1.Reduce the idle accounts of cardholders, and curb criminals from fraudulently using and stealing other people's accounts to transfer funds;

2.The transfer limit is set for the class account, which can effectively prevent the occurrence of fund fraud cases. Class accounts are full-featured accounts; The class account is an account with two types of functions added on the basis of the existing class account, and the capital risk is also decreasing step by step.

So how should these three types of accounts be used?

Type I Account: Personal "Vault" Account.

Type I accounts are the most commonly used bank accounts in the past, and they are used in exactly the same way as before. It is a full-featured account for the client, and there is no limit on the amount of money when conducting business, so it is the client's "vault" account.

Type II Account: Everyday Personal Finance.

Type II account is positioned as a personal "wealth management" account, you can bind your own type I account of the Bank or other banks, transfer funds from type I account for investment and wealth management, and there is no limit on the amount of investment and wealth management products.

It should be noted that the use of Type II physical cards for the following businesses is not subject to the limit:

1. Binding|Transfers between accounts.

2. Batch payment of wages is recorded.

3. Repay your credit card.

4. Foreign currency business.

5. Loan disbursement and repayment.

6. Purchase and redeem wealth management products.

7. Over-the-counter purchase of insurance, surrender, and payment of insurance due.

8. Transfer between the bound credit card and the card.

9. Automatic repayment of credit card of the Bank.

10. Foreign currency business does not include deposits and withdrawals.

Type III Account: Coin purse.

What does it mean to have a bank card in class 1 and class 2.

Type 1 account, that is, the account that is traditionally opened over the counter, can be used to deposit and withdraw cash, wealth management, transfer, bill payment, payment, etc. On this basis, in order to facilitate the payment of depositors, two types of accounts have been added.

Type 2 accounts can meet the payment needs of direct banks, online wealth management products, etc., cannot deposit or withdraw cash, cannot transfer to unbound accounts, and the maximum daily consumption payment and payment is not more than 10,000 yuan, but the amount of purchase of wealth management products is not limited.

The three types of households can only make small consumption and payment, and set an account balance limit of 1,000 yuan.

What is the difference between Type 1, Type 2 and Type 3 accounts?

The biggest difference between Type 2 accounts and Type 1 accounts is that they cannot deposit or withdraw cash or transfer money to unbound accounts. The biggest difference between the 3rd type of households and the 2nd type of households is that they can only handle small consumption and payment, and cannot handle other businesses.

1. The differences between Class II and Class II bank accounts are as follows:

1) Different opening channels: the opening of a type of bank card must be verified and opened by the bank counter in person; There are many channels for the second type of bank card, the card issuer can choose to go to the bank counter to verify the opening in person, or through mobile banking and other electronic channels, you can choose according to your actual situation.

2) The number of openings is different: according to relevant regulations, a person can only open one type of bank card account in a bank with one ID card; However, more than one Class II bank card can be opened, and at present, a maximum of 4 Class II cards can be opened.

3) The scope of functions is different: one type of card has the most functions, and one type of card can be said to be a full-featured account, and there is no limit to the scope when handling business; Compared with the first-class card, the second-class bank card is a restricted function account, and the scope of business is limited. For example, the second-class bank card does not support large-value transfers, bank-securities transfers, cross-border remittances and other services.

4) Quota limit: The quota limit for Class 1 and Class II cards is also different. There is no limit on the amount of a first-class bank card when handling transfers, consumption payments and other services; Different from the first-class card, the second-class bank card has a limit on the amount of money transfer, consumption payment and other services.

2. A type of bank card is actually a type of settlement account, which has comprehensive functions, and there are no restrictions on the scope of application, the amount of use and the account balance. The second type of bank card, as the name suggests, is the second type of settlement account, the second type of bank card is generally a convenient financial account, through the second type of bank card, you can do investment, transfer, consumption, etc., but there is a limit for the second type of bank card, the second type of bank card to transfer to the non-bound account, the daily transfer limit is 10,000 yuan, and the annual transfer limit is 200,000 yuan.

3. In addition to the first-class card and the second-class card, there are also three types of cards. The three types of cards are electronic accounts launched by banks, and there is no physical card, which can be opened over the counter or through relevant online channels, and the limit of the three types of cards will be limited. You can call the bank's customer service** for consultation; If you have time, you can choose to go to the bank counter to check, but you need to bring your ID card and bank card; The third inquiry method is mobile banking inquiry, **Mobile banking app login inquiry; The fourth way is to log in to your personal account through online banking and directly inquire about your personal bank card.

A class account refers to an account opened over the counter of a traditional bank that meets all the strict requirements of the real-name system.

Class accounts are not allowed to deposit or withdraw cash, nor can they transfer money to unbound accounts, and the daily payment limit for such accounts is 10,000 yuan.

Similar accounts are mainly used for quick payment, such as QuickPass password-free payment, etc., which can only handle small consumption and payment, and cannot handle other businesses, and the balance in the household does not exceed 1,000 yuan.

Class account is a full-featured account, is we are familiar with the debit card, can handle deposits, transfers, consumption payments, purchase of investment and wealth management products, cash withdrawals, etc., the scope and amount of use is not restricted, personal salary income, large transfers, bank-securities transfers, as well as the payment and payment of medical insurance, social insurance, pension, provident fund and other businesses should be handled through Class I accounts.

Class accounts can handle deposits, purchase investment and wealth management products and other financial products, limit consumption and payment, limit the transfer of funds to non-bound accounts, and confirm their identities face-to-face through bank counters and self-service equipment by bank staff.

Among them, the cumulative daily limit of cash deposit is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan, and the cumulative daily limit of cash withdrawal is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan.

Class accounts can handle the quota consumption and payment, and the limit to transfer funds to the non-binding account, through the bank counter self-service equipment and the bank staff on-site face-to-face confirmation of identity, the class account can also handle the non-binding account fund transfer business, of which, the account balance of the class account shall not exceed 1,000 yuan.

The daily cumulative limit of funds transferred into the unbound account is 5,000 yuan, the annual cumulative limit is 100,000 yuan, and the total daily cumulative limit of funds transferred to the non-bound account is 5,000 yuan, and the total annual cumulative limit is 100,000 yuan.

Hello, according to the questions you raised, the difference between the first, second and third types of bank accounts is in the following aspects, 1, the first type of account is the deposit account opened by the bank for individual customers, enterprises and institutions, mainly used for personal daily consumption, enterprises and institutions daily business needs. A type of account is further divided into the following types:

Savings account: Mainly used for personal storage of scattered funds for daily living expenses. Checking Account:

It is mainly used for the exchange and settlement of capital potatoes including rebates for enterprises and institutions. Current deposit account: It is mainly used for the daily income and expenditure of individuals, enterprises and institutions and fund management.

2. Class II AccountsClass II accounts refer to deposit accounts opened by banks for various social groups, non-profit organizations or government agencies, etc., which are mainly used for fundraising, funding, and management of public welfare undertakings. The second type of account is divided into the following types: Public Welfare Donation Account:

For the fundraising and management of public welfare undertakings. Budget Account: Used for daily income and expenditure and management.

Social group activity account: used for the daily activities and management of social groups.